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How to Trade-in a Car That Has a Loan

Trading in a vehicle that still has an outstanding loan might appear daunting, but it can be a smooth experience if you follow these steps: 1. Know Your Loan Balance Begin by reaching out to your lender to obtain your loan payoff amount. This figure represents the total needed to settle your loan, which may include any fees or interest that have accumulated since your last payment. 2. Assess Your Car’s Trade-In Value Next, look up your car’s trade-in value using tools like Kelley Blue Book or Edmunds. This information will give you an idea of what the dealership might offer for your vehicle. 3. Calculate Your Equity Subtract your loan payoff amount from the trade-in offer. If your car’s value exceeds your loan balance, you have positive equity that can be used toward your new vehicle purchase. Conversely, if your loan balance is higher than the trade-in value, you’ll face negative equity, meaning you’ll need to pay the difference. 4. Explore Your Options with the Dealership Many dealerships can manage loan payoffs for you. If you have positive equity, it will lower the price of your new car. If you have negative equity, the dealership may incorporate the remaining balance into your new loan, which could raise your monthly payments. 5. Finalize the Trade-In and Purchase Once you agree on the terms, the dealership will take care of the paperwork, including settling your current loan. Make sure to review the contract thoroughly to confirm that all details are correct. Trade In Your Car Today at Bruner Motors! Many times dealers will have additional incentives for certain makes and models to help you get out of your current vehicle. There are additional tax savings for trading in your vehicle vs selling it yourself. For example, if you trade in a vehicle with $5000 in equity it will reduce your new car taxable amount by $5000. Whereas if you sell your vehicle yourself you would pay taxes on the entire amount. At Bruner Motors, we simplify the process of trading in your vehicle with a loan. Let us manage the details while you concentrate on selecting your next car. Visit us today to begin your journey and drive away in a vehicle you’ll adore!

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5 Questions to Ask When Buying a Used Car

Buying a used car can be a smart financial decision, but it’s important to approach the process with the right questions to ensure you’re getting the best deal. Whether you’re buying from a dealership or a private seller, asking the right questions will help you make an informed decision. Here are five key questions to consider when purchasing a used vehicle. 1. What Should I Look for When Buying a Used Car? One of the first things to ask yourself is what features are most important to you in a used car. Are you looking for reliability, fuel efficiency, or advanced tech features? It’s essential to consider the vehicle’s history as well. Request a vehicle history report (like CARFAX) to check for any accidents, repairs, or previous ownership details. Additionally, ask about the vehicle's maintenance history and whether it has undergone regular servicing. Check for signs of wear and tear, especially on high-mileage vehicles. Be sure to take the car for a test drive to check the brakes, steering, and transmission. It’s also wise to have a trusted mechanic inspect the vehicle before making a final decision. 2. What Should I Do After Buying a Used Car? After purchasing your used car, there are several steps to ensure you’re starting off on the right foot. First, make sure you have all the necessary paperwork, including the title, bill of sale, and any warranty documents if applicable. If you're buying from a dealer, they should assist you with the registration and title transfer. If you're buying from a private seller, make sure to complete this process at your local Department of Motor Vehicles (DMV) or relevant agency. Next, get the car insured immediately, as driving without insurance can lead to fines or legal trouble. It's also a good idea to take the car to a mechanic for a thorough inspection, even if it was checked before the purchase. This way, you can address any minor issues before they become larger problems. Finally, familiarize yourself with the vehicle’s maintenance schedule and make sure you follow it to keep your car in good working condition. 3. Should I Buy from a Dealer or a Private Seller? When buying a used car, you’ll have the option to purchase from a dealer or a private seller. Each has its pros and cons. Buying from a dealer offers several advantages, including certified pre-owned (CPO) vehicles, which have undergone extensive inspections and often come with extended warranties. Dealerships can also offer financing options and are required to follow consumer protection laws, giving you more peace of mind. Buying from a private seller, on the other hand, may allow for more negotiation flexibility and lower upfront costs, but it comes with greater risk. Private sales usually don’t come with warranties, and you won’t have access to dealer-provided inspection reports. Be sure to ask for the vehicle’s history and get the car thoroughly checked by a mechanic before proceeding with a private sale. 4. When Is the Best Time to Buy a Used Car? Timing can significantly impact the price you pay for a used car. Generally, the best time to buy is during the end of the month or quarter, when dealers may be trying to meet sales targets and may be more willing to negotiate. The end of the year, particularly around the holiday season, is also a great time to shop, as dealerships are clearing out inventory to make room for new models. Additionally, keep an eye out for tax refund season, when dealerships often offer special incentives and discounts. 5. Where Should I Buy a Used Car? When it comes to finding the perfect used car, the answer is clear: Bruner Auto Group - Early. At Bruner Auto Group - Early, you’ll find a wide selection of used and certified pre-owned vehicles from top brands like GMC, Toyota, Chevrolet, and Ford, among others. Whether you’re looking for a reliable sedan, a spacious SUV, or a tough pickup truck, Bruner Auto Group - Early has the inventory and expertise to help you find the perfect vehicle for your needs. In addition to our selection of high-quality vehicles, Bruner Auto Group - Early offers transparent pricing, thorough vehicle inspections, and a commitment to customer satisfaction. With our certified pre-owned program, you can have peace of mind knowing that each car has been carefully inspected and comes with added protection. Plus, we provide financing options to make your purchase as smooth and convenient as possible. Buying a used car can be a rewarding experience if you ask the right questions and take the time to do your research. Whether you’re comparing dealerships to private sellers, considering the best time to buy, or thinking about where to buy, these questions can guide you to make a confident decision. And when it’s time to purchase, remember that Bruner Auto Group - Early offers a wide selection of high-quality used cars, making it the perfect place to find your next vehicle.

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The Benefits of Used Cars

Buying a used car can be a smart and cost-effective decision, but it’s important to approach the process with the right knowledge. Whether you’re looking to save money, find a reliable vehicle, or get more value for your budget, a used car can offer numerous benefits. Here’s what you need to know when considering a pre-owned vehicle. What to Look for When Buying a Used Car When buying a used car, start by checking the vehicle’s history report to ensure there are no hidden issues like accidents or major repairs. Inspect the exterior and interior for any signs of wear and tear and look under the hood to check the engine and other critical components. A professional inspection by a trusted mechanic can also provide peace of mind. How to Buy a Used Car The best way to buy a used car is to visit a reputable dealership. Bruner Early offers a wide selection of quality pre-owned vehicles, and our knowledgeable staff can help you find the right car that fits your needs and budget. We provide transparent pricing, and our vehicles undergo rigorous inspections to ensure they meet our high standards. How Many Miles Should a Used Car Have? A common question is, "How many miles should a used car have?" While there’s no one-size-fits-all answer, a good rule of thumb is to consider the car’s age and how well it’s been maintained. Typically, a car driven about 12,000 to 15,000 miles per year is average. Higher mileage isn’t necessarily a deal-breaker if the car has been well cared for. Can You Lease a Used Car? Yes, you can lease a used car, though it’s less common than leasing a new one. Leasing a used car can be an excellent option if you’re looking for lower monthly payments and shorter lease terms. Bruner Early offers flexible leasing options to fit your needs. How to Test Drive a Used Car When test driving a used car, pay attention to how it handles, the responsiveness of the brakes, and any unusual noises. Test the car in various conditions, such as on highways and city streets, and check that all features, including air conditioning, lights, and electronics, are functioning correctly. What is the Best Way to Sell My Used Car? The best way to sell your used car is to trade it in at our dealership. We offer competitive trade-in values, making it easy to put your old car’s value toward your next purchase. Our team can handle all the paperwork, ensuring a hassle-free process. Buying a used car doesn’t have to be complicated. Visit Bruner Early today to explore our inventory and discover the benefits of choosing a pre-owned vehicle.

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Discover the Unmatched Quality of GM Certified Used Vehicles

The GM Certified Difference: A Commitment to Excellence GM Certified Used Cars undergo a stringent 172-point inspection to ensure they meet the high standards synonymous with General Motors. This inspection covers all critical areas, ensuring that every vehicle is not just safe to drive but also matches GM's quality benchmarks. This meticulous process ensures that when you choose a GM certified used vehicle, you're choosing a car that's ready for the road ahead, free from the worries that typically accompany preowned purchases. Peace of Mind on the Road: Warranty and Assistance One of the most significant advantages of opting for a GM certified preowned vehicle is the comprehensive warranty and round-the-clock roadside assistance it comes with. This coverage speaks volumes about the reliability and longevity of GM vehicles, offering buyers an added layer of security. Whether you encounter a minor hiccup or need more serious help, GM's commitment to their vehicles and their owners extends well beyond the showroom floor. Easing the Path to Ownership: GM Certified Financing Understanding that purchasing a vehicle is a substantial commitment, GM provides certified financing options designed to suit the financial needs of a broad spectrum of buyers. With attractive rates and flexible payment plans, GM certified financing is a testament to GM's effort to make driving home in your dream car as seamless and stress-free as possible. Transparency from Start to Finish: Vehicle History Reports In the world of preowned vehicles, knowledge is power. GM Certified Used Cars come with a detailed vehicle history report, offering a transparent view into the car's past, including service records, accident history, and previous ownership. This level of transparency is key in building trust and confidence, allowing you to make an informed decision with all the facts at your fingertips. Ownership Benefits: Exclusive Perks and Maintenance Choosing a GM certified used vehicle doesn't just end with the purchase; it's only the beginning of a relationship filled with exclusive benefits. Complimentary maintenance and service inspections are part of the ownership experience, ensuring that your vehicle continues to perform at its best. These perks underscore GM's dedication to customer satisfaction and vehicle dependability long after you've left the dealership. Making the Right Decision: The Advantages of GM Certified Selecting a GM certified used vehicle is more than a purchase—it's a smart investment in your future on the road. The GM certified program is crafted to offer a worry-free, transparent, and satisfying buying experience. From the detailed inspection process to after-sale support, GM's commitment to quality is evident in every aspect of the program. Begin Your Journey with a GM Certified Used Vehicle If you're considering a used vehicle, explore the benefits of choosing a GM certified used car. Embrace the peace of mind, quality, and reliability that comes with a GM certified preowned vehicle. Dive into our inventory online or get in touch with our team for personalized assistance in finding the perfect match for your needs. At Bruner Chevy GMC, your satisfaction is our priority, and we're here to ensure your car buying journey is as fulfilling as it should be.

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Are Used Trucks About to Go Down in Price?

If you're in the market for a used truck, you may have heard rumblings about a potential shift in pricing. The automotive market is ever-evolving, and it’s natural to wonder whether used trucks are poised to decrease prices. This guide delves into this topic to help you understand the current market trends and used truck pricing. Read on! more Used Trucks Going Down in Price Experts project a 9% CAGR growth for the used truck market by 2032. The sector is experiencing a potential shift that could result in a decrease in prices. Several key factors are contributing to this trend. For example, there has been a notable increase in the availability of used trucks due to higher production volumes in recent years. This influx of supply creates a more competitive market, potentially driving prices downward. Changes in consumer preferences are significant in the anticipated price decline. There is a growing demand for newer truck models with advanced technology, improved fuel efficiency, and enhanced safety features. This shift in consumer preference towards newer trucks will lead to a surplus of older models in the used market, putting downward pressure on prices. Economic factors also impact used truck prices, and it’s an appropriate time to purchase affordable used cars. Fluctuations in fuel prices, interest rates, and overall economic conditions influence consumer spending and affordability. If these factors decrease consumer purchasing power, it leads to a decrease in demand for used trucks and, subsequently, lower prices. Why Used Trucks Were So Expensive Used trucks experienced a surge in demand recently, which led to their prices skyrocketing. There were multiple reasons behind this upward trend in prices. The supply of used trucks had been limited due to various factors, such as a shortage of new trucks, manufacturing delays, and supply chain disruptions. This limited supply created a situation where there were more buyers than available trucks, driving up the prices. The increased demand for used trucks could also be attributed to the growing economy and various industries relying heavily on trucking for transportation and logistics. As businesses expanded and required reliable vehicles, the demand for used trucks soared. The pandemic also led to a rise in e-commerce, resulting in increased delivery needs and, consequently, higher demand for trucks. Where to Buy Used Trucks When considering used truck sales in Texas, car dealerships are a reliable option. Car dealerships often offer various used trucks, allowing you to choose from multiple options based on your preferences and budget. Whether you're looking for a specific make or model or have particular requirements, dealerships provide a wide selection. A dealership lets you find certified pre-owned trucks, including half-ton pickup trucks. These vehicles undergo thorough inspections and meet specific criteria the manufacturer sets. Buying a certified used truck gives you peace of mind, as they often come with extended warranties and additional benefits. Dealerships affiliated with a specific brand offer certified used trucks from the same brand, providing quality and reliability assurance. Buy Your Car at Bruner Now it’s the right time to buy at Bruner. We have a stellar reputation for quality vehicles, exceptional customer service, and competitive pricing. The current market conditions, including potential fluctuations in prices and inventory, make it crucial to choose a trusted dealership like Bruner. Browse used trucks now.

This Was Is So Long. Original public domain image from Wikimedia Commons

Why the Average Age of Vehicles on U.S. Roads Is Increasing

Did you know the average car on the road is 12.5 years old? That's a record high. And a key reason for this is the rising cost of new and used cars due to pandemic-era lockdowns that resulted in a global chip shortage. As it turns out, there are several reasons why many people invest in used rather than new vehicles. Do you want to learn why car owners often prefer buying used cars? Keep reading to see why getting a certified pre-owned vehicle makes sense. more Take Advantage of Depreciation One reason people go for used cars over new cars is the ability to leverage depreciation. Consider this scenario: If you purchase a vehicle for $40,000 today and then sell it in 36 months for $24,000, that means you have to deal with a 40% value loss over the 36 months you owned the vehicle. But when you buy used from a trusted dealership, you'll get a discount due to the depreciation factor. At Bruner Early, we offer certified pre-owned vehicles. You can trust used cars that are fully serviced and that come with warranties. Most people can't tell the difference between the 2023, 2022, or 2021 models of specific cars, trucks, or SUVs. So, you can get a three-year-old Chevrolet, GMC, or Buick vehicle for a fraction of the cost of a brand-spanking-new model. And most of your family, friends, or neighbors won't even know that it's not a brand-new vehicle. Pay Less Insurance Do you want to get the best auto insurance deals? One way is to invest in a quality used car. When you call for auto insurance quotes, you'll get lower quotes for a vehicle several years old than a current-model-year vehicle. Depending on the type of used car you get, you might skip specific coverage options. That'll help you to save even more money on insurance. Used Cars Are Reliable One reason the average age of cars on U.S. roads continues to climb is that vehicles are more reliable overall than in previous eras. Vehicles from several years ago can have better build quality, power train performance, and overall reliability than cars from decades ago. So, you will be able to get a reliable used car from a trusted dealership. At Bruner Early, you can trust our pre-owned vehicles. A certified pre-owned car is a better buy than a used vehicle from another dealer or private seller. Certified pre-owned vehicles come with warranty coverage from the original car manufacturer. They're also fully inspected and repaired prior to getting the certified pre-owned label. It's a used vehicle that's almost as good as new. That's as good a reason as any to purchase pre-owned. Get in touch with us at Bruner Early to learn more about why you can trust our pre-owned vehicles. Buy Used Cars From Us One reason the used car industry is succeeding is that prices for used and new cars have increased due to factors like the global chip shortage. But you can still get some great deals if you purchase certified pre-owned vehicles. When you're ready to buy used cars, contact us at Burner Early. We have quality, certified pre-owned vehicles of different makes and models. Check us out and take a car out for a test drive. You see the difference quality makes. Give us a call or stop by to see why your next used car should be from our quality selection of vehicles.

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How Should Someone Go About Buying Used Cars?

Buying a car can be a little scary and exciting at the same time. You might be even more nervous when buying a used car. But it doesn't have to be a dreadful experience. There are many benefits of buying a used car instead of a new one. Did you know that a brand new car can depreciate by up to 20% in the first year? On the other hand, used cars have lower depreciation rates and price tags. So you can stretch your money to afford a more luxurious used car than a new one. Also, used cars get lower insurance rates, so it makes financial sense. You do need to choose a used car carefully, though. Continue reading for our best-used car buying tips. more Decide on Your Budget Before you do anything else, decide how much money you will spend. If you are paying cash, aim to spend a little less than your total car savings. You'll need some extra funds for registration and other costs. If you are applying for an auto loan, make sure to get preapproved. This will simplify the buying process and give you negotiating power. Create a Used Cars Short-List Once you know your budget, it's time to list suitable cars. First, consider your needs and what types of cars would meet them. Consider the purpose of the car and any must-have features. Then, browse your local car dealership's website for used cars. Add to your list any cars that meet your needs. If you're in Early, Texas area, check here for the current stock of quality used vehicles. Find Out the Ownership Costs Once you have a short list of used cars, it's a good idea to look into the ownership costs for each. Some cars are cheaper but might cost you more in the long run. For example, a car with a lower price tag might have higher insurance or maintenance rates. Some brands also depreciate faster than others. It's worth using an operating costs calculator to help you calculate some of these. Check Out the Car's History Report Another important step is to look at the used car's history report. This report includes important information from across the lifespan of a car. It also indicates if the car has been in a serious accident or even “totaled.” You will also find how many owners the used car has had and if maintenance schedules were followed. For extra peace of mind, look for certified pre-owned vehicles. These cars have undergone a thorough inspection and meet high standards. Take the Cars for a Spin Then it's time for the fun part! Head down to the dealership for a test drive. Before you drive it, look at the car's general condition. Then when you turn the engine on, check for any warning lights that don't turn on and off. For the test drive, choose a route with different conditions, such as hills and highways. Pay attention to the handling, acceleration, and braking. Does it perform as you expect? Do you hear any strange noises? Don't forget to check the sound system and extra features. Find the Perfect Used Car for You As you can see, there is no need to be nervous when buying used cars. All it takes is a bit of research, and you can get an excellent deal. Not only can you get a great car, but you can also save on insurance costs. Once you find your perfect used car for sale, take it for a test drive to confirm that it's a match made in car heaven. You might get an even better deal if you practice your car negotiation tips. Contact us today if you're in the Early, Texas area. We can set you up with a reliable and safe car that meets your needs.

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